Interest rate on new mortgage loans
The annualised agreed interest rate on new euro-denominated loans to households for house purchase, a composite of all initial fixation periods, as reported by banks in euro area countries.
21 countries have a value for September 2026, the latest period in the data.
Trend over time
The chart loads when you scroll to it. The table below shows the same data.
The chart shows a calculation from the published values. The table below keeps the published values.
% per year. Source: ECB statistics. Gaps mean no published value; points are not joined across missing years.
| Period | Euro area | Germany | France | Spain |
|---|---|---|---|---|
| September 2026 | 3.62%p (Provisional value) | 4.09% | 3.19% | 2.99% |
| August 2026 | 3.60% | 4.01% | 3.20% | 3.04% |
| July 2026 | 3.52% | 3.93% | 3.17% | 2.89% |
| June 2026 | 3.48% | 3.95% | 3.16% | 2.89% |
| May 2026 | 3.45% | 3.93% | 3.10% | 2.85% |
| April 2026 | 3.43% | 3.84% | 3.11% | 2.80% |
| March 2026 | 3.35% | 3.72% | 3.10% | 2.75% |
| February 2026 | 3.37% | 3.77% | 3.10% | 2.75% |
| January 2026 | 3.36% | 3.77% | 3.05% | 2.68% |
| December 2025 | 3.30% | 3.71% | 2.99% | 2.61% |
| November 2025 | 3.30% | 3.70% | 3.00% | 2.63% |
| October 2025 | 3.30% | 3.71% | 2.98% | 2.67% |
| September 2025 | 3.32% | 3.74% | 2.99% | 2.66% |
| August 2025 | 3.33% | 3.71% | 3.01% | 2.68% |
| July 2025 | 3.28% | 3.68% | 3.00% | 2.63% |
| June 2025 | 3.29% | 3.68% | 3.00% | 2.68% |
| May 2025 | 3.30% | 3.66% | 3.02% | 2.71% |
| April 2025 | 3.26% | 3.69% | 3.02% | 2.75% |
| March 2025 | 3.31% | 3.60% | 3.05% | 2.80% |
| February 2025 | 3.33% | 3.58% | 3.01% | 2.87% |
| January 2025 | 3.14% | 3.52% | 3.12% | 2.89% |
| December 2024 | 3.35% | 3.56% | 3.14% | 2.90% |
| November 2024 | 3.44% | 3.59% | 3.17% | 3.04% |
| October 2024 | 3.50% | 3.65% | 3.27% | 3.20% |
| September 2024 | 3.59% | 3.73% | 3.33% | 3.26% |
| August 2024 | 3.69% | 3.83% | 3.37% | 3.38% |
| July 2024 | 3.70% | 3.92% | 3.41% | 3.33% |
| June 2024 | 3.73% | 3.95% | 3.44% | 3.37% |
| May 2024 | 3.76% | 3.91% | 3.49% | 3.47% |
| April 2024 | 3.77% | 3.86% | 3.49% | 3.50% |
| March 2024 | 3.77% | 3.83% | 3.50% | 3.47% |
| February 2024 | 3.83% | 3.88% | 3.51% | 3.62% |
| January 2024 | 3.86% | 3.85% | 3.59% | 3.61% |
| December 2023 | 4.01% | 4.05% | 3.60% | 3.78% |
| November 2023 | 4.06% | 4.22% | 3.52% | 3.85% |
| October 2023 | 3.99% | 4.18% | 3.43% | 3.94% |
| September 2023 | 3.95% | 4.12% | 3.36% | 3.92% |
| August 2023 | 3.90% | 4.14% | 3.31% | 3.93% |
| July 2023 | 3.80% | 4.02% | 3.16% | 3.84% |
| June 2023 | 3.77% | 4.06% | 3.04% | 3.82% |
Flags: p Provisional value . A dash means no value was published.
In short
- Among the 21 countries with a value for September 2026, the highest is Latvia (4.56%) and the lowest Malta (1.94%).
- Half of the countries are above 3.44% and half below.
- From August 2026 to September 2026 the value rose in 13 countries and fell in 8.
- The figure for the euro area was 3.62% in September 2026, against 1.30% in September 2021 (+2.32 percentage points).
About this measure
Before comparing
- Covers euro area countries only.
Source and dates
Values are shown as published by the ECB. Changes between periods are calculated on this site.
All countries in September 2026 Every value is for September 2026, so the countries are compared at the same point in time.
- 1 Latvia 4.56%
- 2 Estonia 4.45%
- 3 Lithuania 4.33%
- 4 Germany 4.09%
- 5 Netherlands 3.90%
- 6 Belgium 3.76%
- 7 Slovakia 3.74%
- 8 Austria 3.64%
- 9 Italy 3.60%
- 10 Luxembourg 3.55%
- 11 Ireland 3.44%
- 12 Finland 3.39%
- 13 Cyprus 3.26%
- 14 Slovenia 3.25%
- 15 Greece 3.24%
- 16 France 3.19%
- 17 Portugal 3.06%
- 18 Spain 2.99%
- 19 Croatia 2.94%
- 20 Bulgaria 2.41%
- 21 Malta 1.94%
- Euro area 3.62%p (Provisional value)
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Grey: no value for September 2026. Colour groups split countries into roughly equal numbers. Boundaries: Natural Earth.